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Default87 t1_j6dhhqr wrote

Paying off your house is not an emergency, so you shouldn’t use any emergency fund dollars to do this.

Any non emergency fund dollars you have could be used to pay this off, but at such a low interest rate under 4%, I would argue that there are much better places to be putting that money rather than paying your house off.

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poodog13 t1_j6fqc9d wrote

Exactly. My mortgage is at 3% and I could pay it off any time I want, but I’d rather invest. Even a relatively conservative portfolio should make more than double that rate as long as you can stay invested for a few years

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